| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $425 | $1K | +322.1% |
| Broker comp per covered life | $8 | $6 | $8 | +36.0% |
| Broker comp % of premium | 0.5% | 1.6% | 3.2% | -1.1 pp |
| Retention rate | 0.0% | 0.1% | 3.1% | -0.1 pp |
| Premium YoY % | 2.3% | -10.7% | -20.1% | +13.1 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $0 | $212K | $212K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $0 | $192K | $192K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $89K | $353K | $442K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $152K | — | $152K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $0 | $33K | $33K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $521K | $61K | $582K | 10.60% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $55K | $55K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $11K | $42K | $53K | 1.22% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 379,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,016 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380,828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 17,696 | $167.8M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,613 | $8.0M |
| Vision(8 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 206,803 | $32.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 122,451 | $4.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 115,695 | $43.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163,244 | $48.1M |
| Prescription drug(12 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 9,382 | $160.3M |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 138,644 | $77.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206,803 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.